Can I operate my business as a DBA?
Can you simply do business under your own name or a trade name ("doing business as" or DBA") without forming a legal entity?
You can, and many do, but it is not advisable in the long run. First, as a dba you have no liability protection. All debts and liabilities of your business are also your personal debts and liabilities.
Second, many banks will not open a business account without LLC or incorporation papers. You also may not be able to take advantage of certain verified listings for marketing purposes if you can't show your legal identity.
Finally, as long as you are a dba, the "business" is really just a collection of things you personally own that you are using in your business. If you want to pass it along to a family member after you die, or if someday you want to sell it, this is much easier if there is a single asset that is the LLC or the S Corporation.
Learn more here about incorporating your business in Massachusetts.
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